Banco Santander SA ADR (SAN) — Cash Flow Quality Index
Banco Santander SA ADR (SAN) has a Cash Flow Quality Index of -2.90x as of September 2025. Operating cash flow of $-10.42 Billion is below net income of $3.60 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore investment intensity of Banco Santander SA ADR to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Banco Santander SA ADR Cash Flow Quality Index (1991–2025)
Historical Cash Flow Quality Index for Banco Santander SA ADR across 27 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Banco Santander SA ADR (SAN) tangible net worth to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Banco Santander SA ADR (1991–2025)
Year-by-year earnings quality comparison for Banco Santander SA ADR. For live market cap and the full company financial profile, see Banco Santander SA ADR market cap and net worth.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | -1.05x | $-14.84 Billion | $14.10 Billion | ▲ +45.2% |
| 2024 | -1.92x | $-24.16 Billion | $12.57 Billion | ▼ -524.3% |
| 2023 | 0.45x | $5.01 Billion | $11.08 Billion | ▼ -82.4% |
| 2022 | 2.57x | $27.71 Billion | $10.76 Billion | ▼ -56.2% |
| 2021 | 5.87x | $56.69 Billion | $9.65 Billion | ▲ +1306.4% |
| 2019 | 0.42x | $3.39 Billion | $8.12 Billion | ▲ +13.9% |
| 2018 | 0.37x | $3.42 Billion | $9.31 Billion | ▼ -92.5% |
| 2017 | 4.90x | $40.19 Billion | $8.21 Billion | ▲ +68.0% |
| 2016 | 2.92x | $21.82 Billion | $7.49 Billion | ▲ +276.5% |
| 2015 | 0.77x | $5.68 Billion | $7.33 Billion | ▲ +174.9% |
| 2014 | -1.03x | $-7.17 Billion | $6.93 Billion | ▲ +84.2% |
| 2013 | -6.54x | $-34.85 Billion | $5.33 Billion | ▼ -179.8% |
| 2012 | 8.20x | $24.32 Billion | $2.97 Billion | ▲ +40.2% |
| 2011 | 5.85x | $35.90 Billion | $6.14 Billion | ▲ +2.6% |
| 2010 | 5.70x | $51.87 Billion | $9.10 Billion | ▲ +397.4% |
| 2009 | -1.92x | $-18.04 Billion | $9.41 Billion | ▼ -213.0% |
| 2008 | 1.70x | $15.83 Billion | $9.33 Billion | ▼ -48.4% |
| 2007 | 3.28x | $31.65 Billion | $9.64 Billion | ▲ +164.6% |
| 2006 | -5.08x | $-34.31 Billion | $6.75 Billion | ▼ 0.0% |
| 2005 | -5.08x | $-34.27 Billion | $6.74 Billion | ▼ -78.0% |
| 2004 | -2.86x | $-11.41 Billion | $4.00 Billion | ▼ -235.4% |
| 1996 | 2.11x | $1.56 Billion | $738.07 Million | ▲ +29.1% |
| 1995 | 1.63x | $1.07 Billion | $652.55 Million | ▲ +18.1% |
| 1994 | 1.38x | $856.23 Million | $618.53 Million | ▼ -63.2% |
| 1993 | 3.77x | $1.57 Billion | $416.47 Million | ▲ +81.7% |
| 1992 | 2.07x | $884.32 Million | $426.52 Million | ▲ +3.7% |
| 1991 | 2.00x | $1.10 Billion | $549.65 Million | — |